M38 Little Hulton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £131,561
Input Equity (£32,890)
Total Input Equity (£32,890)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £131,561 £131,561 £131,561 £131,561 £131,561 £131,561 £131,561 £131,561 £131,561 £131,561 £131,561 £131,561
Finance Amount £98,671 £98,671 £95,723 £92,625 £89,368 £85,944 £82,346 £78,563 £74,586 £70,407 £66,013 £61,394
Monthly Mortgage   (£651) (£651) (£651) (£651) (£651) (£651) (£651) (£651) (£651) (£651) (£651)
Monthly Rental   £584 £584 £584 £584 £584 £584 £584 £584 £584 £584 £584
Yield to Purchase Price %   5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32%
Yield to Property Value %   5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32% 5.32%
Gross Monthly Cashflow   (£68) (£68) (£68) (£68) (£68) (£68) (£68) (£68) (£68) (£68) (£68)
Gross Annual Cashflow   (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810)
Gross Annual Expenses                        
Annual Management Expenses   (£392) (£392) (£392) (£392) (£392) (£392) (£392) (£392) (£392) (£392) (£392)
Gross Annual Cashflow less Expenses   (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160)
Vacancy Expenses                        
Net Annual Cashflow   (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160)
Net Yield %   (0.88%) (0.88%) (0.88%) (0.88%) (0.88%) (0.88%) (0.88%) (0.88%) (0.88%) (0.88%) (0.88%)
Debt Coverage Ratio (1:x)   0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85
Personal Equity £32,890 £32,890 £35,838 £38,936 £42,193 £45,617 £49,215 £52,998 £56,975 £61,154 £65,548 £70,167
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£1,202) £1,745 £4,844 £8,100 £11,524 £15,123 £18,906 £22,882 £27,062 £31,455 £36,074
Return on Investment %   (3.66%) 5.31% 14.73% 24.63% 35.04% 45.98% 57.48% 69.57% 82.28% 95.64% 109.68%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£1,202) £1,710 £4,652 £7,624 £10,629 £13,670 £16,747 £19,864 £23,023 £26,226 £29,475
Real Return on Investment %   (3.66%) 5.20% 14.14% 23.18% 32.32% 41.56% 50.92% 60.40% 70.00% 79.74% 89.62%